@thecreditriser: HOW TO REMOVE LATE PAYMENTS IN 30 DAYS FOR FREE Use MyFreeScoreNow, and search for all your accounts reporting late payments & create a list of these to target. Use CHATGPT to create a letter requesting validation of late payments make them provide you with proof of the payment you missed. Now go to ChatGPT and add the name of the Creditor, The Account #, The Dates of the late payments & to also mention USC Code 1666(b) in the letter. Google the Experian, Equifax and Transunion addresses and send them each the letter you created using CHATGPT make sure to one send one to each of these 3 bureaus. Include copies of your Social Security number & Proof of address...then Send these letters via Certified mail at your local post office. Ready for even more great tips and tricks and credit hacks, COMMENT "GUIDE" for the FREE Quickstarter Guide. #creditscore #credit #creditcarddebt